Spencerport Federal Credit Union
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Share Rates

Service Fees Check Reorder

Share rates effective December 31, 2011
Share certificate rates effective February 5, 2012
Rates are subject to change

Share and Certificate Products
Product Rate APY *
Share Account ($20 Minimum) .05% .05%
6 Month Certificate ($500 Minimum) .25% .25%
12 Month Certificate ($500 Minimum) .449% .450%
30 Month Certificate ($500 Minimum) .897% .90%

Money Market
Amount Rate APY *
$2,000 Minimum .20 .20

Checking (Share Draft)
Product Rate APY *
Free Checking 0.00% 0.00%

IRA Accounts
Product Rate APY *
IRA Share Savings .05% .05%
IRA 18 Mo Certificate ($500 Minimum) .897% .90%

* Annual Percentage Yield

Interest Computation for Savings Accounts
Share Dividends are calculated using the average daily balance method. This method applies a periodic rate to the average daily balance in the account each month. Dividends are credited and compounded quarterly.

Interest Computation for Savings Accounts
Share Dividends are calculated using the average daily balance method. This method applies a periodic rate to the average daily balance in the account each month. Dividends are credited and compounded quarterly.

Your actual dividends/earning on your account may be reduced by service fees.
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